Health Insurance in Costa Rica

  • Home
  • Health Insurance
By nouman September 14, 2020

Expat-Focused Protection Backed by 15+ Years of Local Expertise

Choosing the right health insurance in Costa Rica is one of the most important decisions you’ll make when relocating or living abroad. Whether you’re moving permanently, retiring, or splitting your time between countries, you need reliable health insurance coverage that protects you in Costa Rica and—if needed—internationally.
At All Insurance CR, we specialize in helping U.S., Canadian and all other expats understand their options and secure the right plan quickly and confidently. As a health insurance provider and licensed broker with access to 11 major insurers, we make it easy to compare medical insurance plans, understand the differences, and get coverage that matches your lifestyle and medical needs.
Phil Eitman, founder of All Insurance CR, is not just a broker—he is an expat himself, serving the expat community and consistently recognized as a top producer in Costa Rica’s insurance market. That insider perspective allows us to offer something most health insurance companies in Costa Rica cannot: clear guidance in plain English, personalized recommendations, and concierge-level support when you need it most.

Why Health Insurance Matters for Expats in Costa Rica

Costa Rica offers excellent medical care—both public and private. But expats quickly learn that:
  • The public system (Caja) involves long wait times
  • Private hospitals provide world-class care, but costs vary
  • Many U.S. and Canadian health plans do not cover long-term stays abroad
  • Immigration requirements often demand proof of accepted health insurance coverage
This makes choosing the right healthcare insurance service essential before or soon after your arrival.
All Insurance CR provides plans with:
  • Coverage for accidents and emergencies
  • Major medical coverage
  • Worldwide protection (including or excluding the U.S., depending on your preference)
  • Affordable deductibles
  • Options tailored to retirees, families, and full-time expats
  • Direct-billing access with top private hospitals in Costa Rica
Our goal is simple: ensure you enjoy life in Costa Rica without worrying about unexpected medical costs.

Why Choose All Insurance CR as Your Health Insurance Provider?

1. Expat to Expat Guidance You Can Trust

Most expats prefer to work with someone who truly understands the transition to Costa Rica. Phil built All Insurance CR around exactly that—an expat helping expats, offering clarity, honesty, and years of hands-on expertise.
This unique positioning makes it easier for clients to get straightforward explanations of:
• What’s covered
• What’s not
• How claims work
• How Costa Rican and international systems differ
• Which insurer best fits your medical and travel profile

2. Access to 11 Insurance Companies

Unlike a single health insurance company that only sells its own product, All Insurance CR works with 11 insurers, including the largest international and local providers.
That means:
• More choice
• Better pricing
• Customized coverage
• No bias toward one carrier
You get real comparison shopping—with expert guidance—so you can choose confidently and avoid overpaying.

3. VIP Claims Concierge Service

One of the biggest frustrations expats face is dealing with claims, especially when a provider is slow to respond. Phil and his team have built their reputation on responsiveness and support, acting as your personal advocate during every step of the claims process.
Clients repeatedly praise All Insurance CR for:
• Fast responses
• Clear instructions
• Support during emergencies
• Follow-up until claims are fully resolved
This level of service is rare among health insurance companies in Costa Rica, and it remains one of the company’s strongest competitive advantages.

4. 15+ Years of Experience Serving the Expat Community

With more than a decade and a half in the Costa Rican insurance sector, All Insurance CR knows the intricacies of both local and international coverage. Phil has been recognized as a top global producer by one of the world’s leading insurers—a testament to his expertise and professionalism.

5. Fast Quotes, Simple Process, No Confusion

You’ll never feel overwhelmed by jargon or complicated insurance terminology. We translate every option into simple comparisons so that you always understand:
• Your total cost
• What each benefit means
• How deductibles affect premiums
• How worldwide vs. regional coverage works
• Whether pre-existing conditions apply
Our goal is to make insurance simple, transparent, and stress-free.

Types of Health Insurance Coverage Available

Whether you’re looking for affordable medical insurance plans or comprehensive global major medical protection, All Insurance CR helps you compare options such as:

1. International Private Medical Insurance (IPMI)

Ideal for long-term expats who want:
• Worldwide coverage
• Treatment in Costa Rica’s private hospitals
• Optional U.S. coverage
• High annual limits
• Direct billing
• Freedom to choose any doctor
This is the most popular option among U.S. and Canadian expats.

2. Local Costa Rican Private Health Insurance

For expats who want private hospital access at a lower cost, local insurers offer:
• Affordable monthly premiums
• Emergency care
• Specialist visits
• Hospitalization coverage
• Diagnostic testing
These plans can also be paired with public Caja coverage.

3. Short-Term or Transitional Health Insurance

Designed for people:
• Waiting on residency
• Relocating but not settled
• Spending part-time in Costa Rica
Coverage can include accidents, medical emergencies, hospitalization, and more.

4. Family Health Insurance Plans

Families relocating to Costa Rica often need coverage for:
• Pediatrics
• Maternity
• Emergency care
• Chronic illness management
• Vaccinations and checkups
We help ensure every family member has proper coverage before you land.

Transparent, Honest Advice—Not a Sales Pitch

As Phil said in your transcripts, expats often move to Costa Rica with certain expectations about health insurance costs, especially Americans who are used to extremely high premiums. They’re often pleasantly surprised by Costa Rica’s affordability.
But affordability shouldn’t mean confusion or guesswork. All Insurance CR ensures you understand precisely what you’re paying for and whether it fits your needs—not just today, but long-term.

How We Help You Compare Health Insurance Companies in Costa Rica

Because the market is crowded with both local and global brands, finding the right health insurance provider can feel overwhelming. All Insurance CR simplifies the process into three steps:

Step 1.
International Private Medical Insurance (IPMI)

We ask a few key questions:
Will you live in Costa Rica full-time?
Do you need U.S. coverage included?
Do you want low cost or maximum coverage?
Any pre-existing medical conditions?
Family or individual plan?
This ensures we only recommend plans that fit your lifestyle and risk level.

Step 2:
Compare Plans Side by Side

We provide a clear comparison showing:
Premiums
Deductibles
Co-pays
Coverage limits
Hospital access
Exclusions
You’ll instantly see which plan delivers the best value.

Step 3:
Get Your Coverage Activated Fast

Applications are processed quickly, and we walk you through:
Required documents
Approval timelines
Policy setup
First steps once you’re covered

FAQs about Health Insurance in Costa Rica

Most expats choose private health insurance coverage because Caja wait times can be long and private hospitals offer faster, higher-end care.
Pricing depends on age, coverage level, deductible, and whether you include U.S. coverage. We help you compare multiple medical insurance plans to find the right balance of cost and protection.
Some insurers allow it with waiting periods or adjustments. Others limit coverage. As your health insurance advisor in Costa Rica, we guide you to the right insurer based on your situation.
Yes—Costa Rica requires proof of insurance for residency approval or renewal.
We match you with insurers that offer:
  • Direct billing
  • Coverage at top private hospitals in San José, Guanacaste, and the Central Pacific
Awesome Image
//Your health matters. Your coverage should too.

Transparent, Honest Advice—Not a Sales Pitch

If you’re moving to Costa Rica—or already living here—now is the perfect time to secure reliable, affordable health coverage.

  • Personalized expat-focused advice
  • Access to multiple top-rated insurers
  • VIP support for claims
  • Fast responses and clear explanations
  • A trusted partner dedicated to your peace of mind

Get Your Health Insurance Quote Today

Click the button to speak directly with Phil and receive personalized recommendations within 24 hours.

Get a Quote